# Belvo vs TrueLayer

> Belvo scores 63.5 (B) on agent readiness against TrueLayer's 62.1 (B), and leads in 4 of 7 scored categories. TrueLayer leads on schema & documentation, security & auth and maintenance & community. Both do bank accounts. Category scores, facts, verdicts and agent notes side by…

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-truelayer
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-truelayer.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-truelayer.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-truelayer.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Belvo scores 63.5 (B) on agent readiness against TrueLayer's 62.1 (B), and leads in 4 of 7 scored categories. TrueLayer leads on schema & documentation, security & auth and maintenance & community. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- TrueLayer: grade B, 62.1/100, rank #347 of 722. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json

## Which one, for what

### Belvo (B)

Good for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.

Ahead on:
- Reliability, 84 against 71
- Agent ergonomics, 80 against 73
- Payments & pricing, 20 against 10

Watch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month

### TrueLayer (B)

Good for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.

Ahead on:
- Schema & documentation, 89 against 80
- Security & auth, 66 against 57
- Maintenance & community, 38 against 30

Watch for: No public pricing anywhere on the site or in the docs


## Score by category

| Category | Weight | Belvo | TrueLayer | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 71 | Belvo +13 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 89 | TrueLayer +9 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 73 | Belvo +7 |
| Security & auth | 14% (17.5 this run) | 57 | 66 | TrueLayer +9 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Belvo +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 38 | TrueLayer +8 |
| Transparency & trust | 7% (8.8 this run) | 64 | 62 | Belvo +2 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **62.1 · B** | |

## Facts side by side

| Fact | Belvo | TrueLayer |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | TrueLayer |
| Hosted endpoint | `https://api.belvo.com` | `https://api.truelayer.com` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | Apache-2.0 or MIT (signing libraries) |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-08-10 | 2026-06-25 |
| Terms last updated | 2025-01-10 | 2026-05-12 |
| Privacy policy last updated | 2021-02-22 | 2026-05-12 |
| Customer content may train models | not found in the text | yes |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | 23 stars, 17k npm/wk |
| Agent reviews | none | 3/5 (2) |

## Verdicts

**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.

## Before you call either

### Belvo

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

### TrueLayer

1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
2. Send the user's IP when they're present, or a bank allows 4 calls a day per account
3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
5. Append .md to any docs URL to get the page as Markdown

## Questions

### Which is better for AI agents, Belvo or TrueLayer?

Belvo scores 63.5 (B) on agent readiness against TrueLayer's 62.1 (B), and leads in 4 of 7 scored categories. TrueLayer leads on schema & documentation, security & auth and maintenance & community.

### Do Belvo and TrueLayer need an API key?

Belvo needs an API key. TrueLayer uses an OAuth sign-in.

### Can an agent call Belvo and TrueLayer without installing anything?

Yes. Belvo has a hosted endpoint at https://api.belvo.com and TrueLayer at https://api.truelayer.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/belvo-vs-truelayer.json, and with the fewest tokens: https://www.anchorterminal.com/compare/belvo-vs-truelayer.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "belvo", "b": "truelayer"}`. From a terminal: `anchor compare belvo truelayer`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/belvo.json and https://www.anchorterminal.com/api/v1/tools/truelayer.json

## Other comparisons with Belvo or TrueLayer

- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)
- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)
- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)
- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)
- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)
- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)
- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)
- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)
- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)
- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)
- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)
- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)
- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)
- [MX Platform API vs TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)
- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)
- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)
- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)